These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.

Offers

• Secure death benefit.
• Guaranteed cash value
• Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
• Level premiums that are guaranteed to never change.

May be ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits.

Increasing the death benefit may be subject to additional underwriting approval.

Offers

• Flexible death benefit
• Flexible premium
• Policy cash values are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.

May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

Increasing the death benefit may be subject to additional underwriting approval.

Offers

• Flexible death benefit
• Flexible premium
• Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.
• Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.

This policy design is for the customer who needs life insurance but would like to have the ability to choose how their cash value is invested.

Guarantees are dependent upon the claims-paying ability of the insurer and do not protect the value of the variable product portfolios, which may fluctuate. Variable policy holders are subject to investment risks, including the possible loss of principal invested.

Offers

• Flexible death benefit
• Flexible premium
• Cash value grows based on the performance of the professionally managed stock, bond and money market sub-accounts that you choose. You can design a portfolio to match your comfort level and risk tolerance. Policy cash values fluctuate based on the sub accounts in which you are invested and may lose value, including principal.

May make sense for those who have budget limitations, large protection needs or temporary need.

Offers

• Set death benefit for a fixed period
• Fixed premium.
• No cash value.
• Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.
• Initial premiums tend to be lower but will eventually increase.